Download Report

Marktplaats voor Bedrijfsfinanciering
April 2015
Strictly Confidential
Disclaimer
The information contained in this presentation have been researched by us with due care and all and any
evaluations or assessments stated herein represent our personal opinions. We advise you that some of the available
information has been independently verified and may be based on statements by third persons, but no
representation or warranty, expressed or implied, is made as to, and no reliance should be placed on, the fairness,
accuracy, completeness or correctness of this information or opinions contained herein. Certain statements
contained herein may be statements of future expectations and other forward-looking statements that are based on
our current personal views and assumptions and involve known and unknown risks and uncertainties that cause
actual results, performance or events to differ materially from those expressed or implied in such statements. None
of our team shall assume any liability whatsoever (in negligence or otherwise) for any loss howsoever arising from
any use of this presentation or the statements contained herein as to unverified third person statements, any
statements of future expectations and other forward-looking statements, or the fairness, accuracy, completeness or
correctness of statements contained herein, or otherwise arising in connection with this presentation.
This presentation does not constitute an offer or invitation to purchase or subscribe for any investment and neither
it nor any part of it shall form the basis of or be relied upon in connection with any commitment or contract
whatsoever, and is solely intended to communicate a favourable impression of our team members and their
business track-records. No one should base their investment decisions on this presentation, which principally
constitutes an advertising message, as their main source of information or reliance but should form their personal
opinions solely on the basis of further available information and evaluations and assumptions. The legal
documentation held ready for any prospective investor shall be authorised as the sole source of relevant
information and neither it nor any part of it shall constitute any representation, warranty or other undertaking,
expressed or implied, as to the economic success of the offered investments.
Source: Zencap
Strictly Confidential
1
Ons Businessmodel
Rente + Aflossingen
KREDIETNEMER
INVESTEERDER
Service Fee
(doorlopend)
Bemiddelings Fee
(bij aanvang)
Funding
Bron: Zencap
Strictly Confidential
2
Van aanvraag tot betalingen
Kredietnemer
ONLINE AANVRAAG
KREDIETBESLISSING
RATING
RENTE
KREDIETNEMER BETAALT
BEMIDDELINGS FEE
KREDIETNEMER BETAALT
MAANDELIJKS TERUG
LENING
wordt geincasseerd en
uitbetaald via STICHTING
DERDENGELDEN
AFLOSSINGEN EN RENTE
worden verdeeld over de
verschillende investeerders
INVESTEERDER FUND EEN
DEEL VAN DE LENING
VANAF € 100
INVESTEERDER BETAALT
SERVICE FEE
Investeerder
INFORMATIE IS
ZICHTBAAR
Source: Zencap
Strictly Confidential
3
Risico analyse
A
Basis
De stappen  Automatische voorselectie:
– Omzet EUR 100k
– Bestaan 2 jaar
– Fraude checks
– Juridische vorm
– 1e niveau kredietcheck
B
 Risico beoordeling
– ZenScore score systeem
– Externe kredietchecks
als extra check
 Kredietnemers vallen in 5
risico-klassen
A+
Source: Zencap
C
ZenScore
A
B
C
Verificatie
 Verificatie van alle
documentatie
 Handmatige beoordeling
 Beslissing door de analist
o.b.v. 4 ogen principe
C-
Strictly Confidential
4
Rente percentages
A+
3.99%
5.99%
4.99%
7.76%
A
4.48%
6.80%
5.49%
8.57%
B
5.41%
8.44%
6.41%
10.21%
C
7.30%
11.91%
8.31%
13.68%
C-
11.32%
15.64%
12.34%
17.11%
Source: Zencap
Strictly Confidential
5
Contact
Jeroen Broekema
Country Manager Nederland
jeroen.broekema@zencap.nl
+31 6 30 57 41 50
Source: Zencap
Strictly Confidential
6
Contact
Jeroen Broekema
Country Manager Nederland
jeroen.broekema@zencap.nl
+31 6 30 57 41 50
Source: Zencap
Strictly Confidential
7
Zencap‘s loan portfolio is highly diversified across sectors – most
businesses with less than EUR 3mn in revenues
While our borrowers come from very different sectors …
Share of borrowers by sector, number of loans issued
Leisure and Transport and
hospitality logistics
Healthcare
4%
4%
Education and
4%
training
4%
… they are usually small in size with revenues up to EUR 3mn
Share of borrowers by revenue [EUR], number of loans issued
<300k
Professional
services
26%
>3mn
9%
22%
300-500k
9%
Property and
construction 9%
Other
22% 500k-1mn
9%
17%
Wholesale
9%
IT and telecommunication
13%
Manufacturing
and engineering
39%
1mn-3mn
 Highly diverse borrower base across a variety of different sectors ensures possibility cross-industry diversification
 No sector accounts for more than 26% of loans issued, reducing systematic sector risk
 70% of borrowers are small or micro businesses with annual revenues between EUR 300k and 3mn
Source: Zencap
Strictly Confidential
8
Zencap Team – Co-Founders
Dr. Matthias Knecht
Dr. Christian Grobe
Co-founder, Managing
Director
Co-founder, Managing
Director
5+ years experience
5+ years experience
 Project leader at McKinsey & Company
 Project leader at McKinsey & Company
 Member of McKinsey‘s Financial
Institutions Practice; focus on banking,
insurance, and private equity clients
 Focus on large-scale transformation
programs across several industries incl.
financial service companies
 Experience in corporate finance,
transactions, merger management,
corporate strategy, due diligence
 Experience in predictive modelling,
multichannel commercial excellence and
org design (outsourcing, shared services)
 Banking M&A at BCG
Source: Zencap
Strictly Confidential
9
Zencap Team – Risk and Technology
Thoralf Arlt
Thomas Boltze, PhD
Head of Risk
Head of Technology
15+ years experience
15+ years experience
 Chief Risk Officer at Sberbank Europe,
Head of Group Enterprise Risk
Management at ERSTE Group and other
 Experienced global technology executive
with detailed, hands-on architecture,
product and standards development for
eCommerce and Internet/Mobile
 Significant professional experience in risk
management across all risk types and
customer segments in Europe
Source: Zencap
 Extensive experience doing and
managing R&D in multinationals and
startups, leading global teams and
executing corporate/IT strategy
Strictly Confidential
10
Zencap Team – Product and Operations
Kajetan v. Armansperg
Kyle Swartz
Head of Product
Head of Operations
3+ years experience
14+ years experience
 Solid entrepreneurial and technical
experience from launching and
managing two web startups
 Senior Operations and Process leader
managing global and cross functional
teams with a focus on Risk Management,
Fraud Prevention and Customer Success.
 Studied at University of Mannheim and
HEC Paris, focus on econometrics and
financial economics, supported by the
German National Academic Foundation
 Professional experience in consulting,
banking and micro-finance
Source: Zencap
 Consultant for SMEs and C-Level
individuals on topics of Leadership
Development and Organizational
Management.
Strictly Confidential
11
Zencap Team – Nederland
Jeroen Broekema
Yannick Geurtsen
Country Manager
Country Manager
7+ years experience
4+ years experience
 Solid background in the financial
services.
 Experienced account-manager B2B.
 Studied at Leiden University and and the
London School of Economics.
 Professional experience in banking from
three different perspectives:
commercial, risk and management.
Source: Zencap
 Extensive sales and marketing
experience.
 Studied applied Psychology at the HvA in
Amsterdam.
Strictly Confidential
12